Private UK net worth tracker · iPhone and iPad

Know where you stand.

Every account you own on one page: current accounts, ISAs, pensions, the house, and the mortgage against it. Update the figures once a month and watch the line move.

Download on the App Store

Six accounts free. No sign-up, no subscription, and no bank connection.

The Networth home screen: net worth of £185,721, up 30% since March, with the split between cash, investments, pensions and property
the whole pictureHome · Assets and liabilities

The parts your banking app cannot see.

For most households the pension and the house make up the bulk of the total, and open banking cannot see either. A tracker that reads only the bank balance is reading the wrong number. Networth is built around the assets that decide your net worth, with the mortgage netted off and each kind shown in proportion, so you see the split as well as the total.

  • Cash

    Current accounts, savings, Premium Bonds

  • Investments

    Stocks and Shares ISAs, general accounts, crypto, share schemes

  • Pensions

    Workplace, SIPP and personal, kept apart from what you can spend

  • Property

    Valuation against purchase price, equity and loan to value

  • Mortgage and borrowing

    Netted off the total, with the mortgage shown separately from the rest

The liabilities view: a mortgage of £180,000 and other borrowing of £1,240, netted off to give the same net worth
ninety seconds a monthUpdate balances
The update balances screen: a new total at the top, the mortgage projected automatically, and each account with how long since it was last updated

Update every balance from one list.

There is nothing to connect and nothing to renew. Open the update screen, type the figures that have changed, and the effect on your total is shown before you save. Rows that have not moved in a while say how long it has been, and the mortgage fills in its own row.

  • Type it, paste it, or scan it.

    Paste a balance from your banking app, or choose a screenshot of it and let the phone read the figure. The reading happens on your device and you confirm it before it is saved.

  • The mortgage projects itself.

    Give the app your current rate and monthly payment and it projects the outstanding balance month by month. Overwrite it with the lender's figure whenever you have one.

  • Every reading is kept.

    Each update adds a point to the chart, for the total and for every account on its own page, so the trend is your real history.

arithmetic you can checkGoals and milestones

A balance sheet, and the number you could actually spend.

Net worth is assets less liabilities, and the balance sheet spells out the subtraction. Available is narrower on purpose. It counts the cash and investments you could sell this week and leaves out pensions, Lifetime ISAs, Junior ISAs, share schemes and the house, because you cannot spend those on a Tuesday.

  • Goals with a target and a priority.

    An emergency fund, a deposit, a kitchen. Each shows how far along it is, and a retirement or mortgage-free goal follows the live balances behind it, so there is no second figure to keep in step.

  • Milestones, marked on the day.

    Set a round number and the app notes the day you cross it, with the distance still to go until then.

  • A widget for the home screen.

    Your net worth at a glance, in whole pounds, with how it has moved since last month. It hides the figure on a locked phone.

The goals screen: an emergency fund at 65% of £15,000, a kitchen at 36% of £12,000, and a £200k milestone at 92%
ask your own assistantSettings · Export · Markdown for AI assistants
networth-export-2026-09-13.mdExcerpt
# Personal finances: snapshot

Exported from Networth on 2026-09-13.
All figures GBP.

**How to use this file:** paste it into an
assistant as background before asking
questions. Figures are point-in-time and
entered by hand, so treat them as the
user's best record rather than verified
statements. Nothing here is advice.

## Position

| Measure        | Amount     |
|----------------|------------|
| Net worth      | £185,721   |
| Gross assets   | £366,961   |
| Liabilities    | £181,240   |
| Available      | £38,011    |
| Last update    | 2026-09-13 |

## Accounts

### Cash: £24,651

| Account  | Institution | Balance   |
|----------|-------------|-----------|
| Everyday | Monzo       | £4,250.75 |
| Savings  | Monument    | £12,400   |

**NatWest Mortgage: loan detail**

- Interest rate: 4.1%
- Monthly payment: £980
- Secured against: Home
- Loan-to-value: 71.1%
- Equity: £73,120

## Net worth, last 12 months

| Month   | Net worth | Change    |
|---------|-----------|-----------|
| 2026-07 | £171,904  | +£6,380   |
| 2026-08 | £183,310  | +£11,406  |
| 2026-09 | £185,721  | +£2,411   |

## Goals

| Goal           | Target  | Progress |

Hand the whole picture to the assistant you already use.

Networth writes one Markdown file laid out for a language model: your position, every account with its wrapper and when it was last updated, the mortgage with its rate, loan to value and equity, the allocation, twelve months of net worth month by month, your goals, and the UK allowances for the current tax year. It opens with a note telling the assistant how to treat the figures. Paste it into Claude or ChatGPT and ask your question.

  • Current state and progress in one paste.

    The position as of today and the trend behind it, so an assistant can see where you are and how you got there before it answers.

  • Questions it makes answerable.

    Whether the cash pile is bigger than the emergency fund it is meant to be. How many years the mortgage has left at the current payment. What to sort out before 5 April.

  • The app itself talks to no AI service.

    Nothing is sent anywhere until you paste it. The file carries account names and balances, no account numbers and no name, and you choose the assistant.

privacyApp Store label: Data Not Collected

There is no server. There is nothing to leak.

Most personal finance apps are a front end for a database that belongs to somebody else. Networth keeps your figures on your device and, if you want them on your iPad as well, in your own private iCloud. The App Store privacy label reads Data Not Collected, because there is nothing to collect.

Read the full privacy policy

  • No account and no sign-up.

    There is nothing to create and nothing to be locked out of.

  • No analytics, no tracking, no advertising.

    The app makes no request to any server of ours, because there is no server of ours.

  • We cannot see your data.

    There is no copy of it anywhere we could look.

  • Face ID or passcode lock.

    Figures are covered in the app switcher, and the widget hides them on a locked phone.

  • Nothing is locked in.

    Export everything as JSON, CSV, PDF, RTF or Markdown, straight from the device.

pricingOne purchase, no subscription

Six accounts free. Unlimited for £3.99, paid once.

  • Free

    Up to six active accounts with every feature: iCloud sync, the widget, screenshot scanning, exports and the lock. No ads and no time limit.

    £0
  • Unlimited

    As many accounts as you have. One payment through the App Store, shared with your family through Family Sharing and restored on a new device by Apple.

    £3.99

The purchase lifts the account limit and changes nothing else.

questionsSupport

Reasonable things to ask.

  • Why doesn't it connect to my bank?

    Open banking connections expire, break, and hand a third party ongoing read access to your accounts, and they cannot see a pension or a house at all. For a number you look at once a month, typing five balances takes less time than fixing one broken connection.

  • Does it work outside the UK?

    It runs anywhere, but everything is in pounds and the wrappers are ISAs, Lifetime ISAs and SIPPs. If your money lives in another currency, it is the wrong app for you.

  • What happens to my data if the app disappears?

    Export it whenever you like as JSON, CSV, PDF, RTF or Markdown. Nothing is locked in, and the export never passes through us.

  • Is this financial advice?

    No. Networth records what you tell it and does arithmetic on it. It recommends no products, and nothing in it is a personal recommendation. For advice, speak to someone qualified to give it.

  • Something is wrong. Who do I tell?

    Email networth@dkcreative.uk and say which screen you were on. Leave account numbers and balances out of the message.